Insurance and How It Helps You

insurance company Paintsville KY There are more drivers on the road each year. With so many vehicles on the road, accidents can happen. The difference between a small bother and large pain can be the car insurance you have purchased. But why do you need insurance and just how much do you need? Car accidents can result in many different expenses, which your insurance might be able to pay for based on the type of coverage you have purchased. By not purchasing insurance, you run the risk of having to pay the total price of the harm you cause others. Liability: Bodily injury and property damage that you have caused will be covered under liability insurance. It can also cover your legal fees if you are sued. State laws typically mandate standard amounts, but larger amounts can be purchased and are extremely helpful. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was responsible for the crash. It is required in some states and optional in others. This insurance can also pay for lost earnings, replacement of services and funeral expenses. State law typically sets minimum amounts. Medical Payments: This type of coverage is available in non-no-fault states and will pay no matter who is responsible for the accident. It pays for an insured person’s reasonable and necessary medical or funeral expenses resulting from an accident. Collision: Pays for damages to your car caused by an accident. Comprehensive: This kind of insurance protection takes care of any non-collision damages. This could include fire damage, vandalism, and robbery. Uninsured Motorist: Too many drivers are ignoring the law by driving a car without purchasing the right amount of car insurance. This insurance will protect you if you are in a collision with one of these drivers. Under-Insured Motorist: Pays for collision expenses when an insured person is in a crash caused by a driver who does not have enough liability insurance to pay for the full amount of the damages. Other kinds of car insurance, including emergency road service and car rental, are also available.